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Part of the ACE Cash Express chain · locations
ACE Cash Express in Commerce City, CO
Commerce City, CO's ACE Cash Express at 4952 E 62nd Ave offers payday loans and title loans to residents needing quick cash solutions.
Data compiled from public sources · Rating from CreditDoc methodology
ACE Cash Express Review
ACE Cash Express is located at 4952 E 62nd Ave Unit A4 in Commerce City, CO, a standalone storefront serving the local community with convenient access. Open Monday through Thursday from 9 AM to 7 PM, Friday 9 AM to 8 PM, and Saturday 9 AM to 5 PM, the Commerce City location provides flexible hours for working residents. Closed on Sundays, this Commerce City store is designed for quick, in-person transactions.
ACE Cash Express at 4952 E 62nd Ave in Commerce City offers payday loans, title loans, and check cashing for residents facing immediate cash needs. The staff can walk you through loan options, explain repayment terms, and typically complete applications on the same day. For specific rates or to discuss your situation, call 303-288-0190.
When visiting the Commerce City location, bring a valid photo ID, proof of income (pay stub or bank statement), and proof of address; most loans are approved within hours. ACE Cash Express at this Commerce City store processes applications on-site, so you'll know your approval status before you leave. Whether you're covering an unexpected bill or emergency, this Commerce City branch provides a local option for quick funding.
Services & Features
Bill payment services
Business services
Cards
Check cashing
Installment loans
Money transfers
Online loan applications
Physical store locations with customer service
Porte services
Store locator services
Tax services
Title loans
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- Multiple service offerings under one roof including emergency loans, check cashing, bill payments, and tax services
- Online loan application options available in addition to physical store locations
- Same-day or next-day funding advertised for emergency cash needs
- Dedicated customer service phone lines for general inquiries and online loan support
- Widespread geographic presence with store locator system for convenient access
- Title loans available as an alternative collateral-based borrowing option
- Money transfer and business services available alongside consumer lending
Cons
- Specific location pages return 404 errors, preventing verification of current services and terms for individual branches
- No APR, fee, or interest rate information disclosed on accessible website pages
- Certain loan products explicitly unavailable in some states, creating geographic limitations
- Limited transparency on loan terms, repayment schedules, and total cost of borrowing
- Emergency cash loans in this category typically carry high costs and short repayment periods, though specific rates not disclosed
Rating Breakdown
Value 2.0
Effectiveness 1.5
Customer Service 2.5
Transparency 2.3
Ease of Use 3.9
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Frequently Asked Questions
Is ACE Cash Express legitimate?
Yes. ACE Cash Express is a registered company, headquartered in 4952 E 62nd Ave Unit A4, Commerce City, CO 80022.
Quick Facts
- Headquarters
- 4952 E 62nd Ave Unit A4, Commerce City, CO 80022
- BBB Accredited
- No
- Starting Price
- Contact provider
- Setup Fee
- None
- Money-Back Guarantee
- No
CreditDoc Diagnosis
Doctor's Verdict on ACE Cash Express
ACE Cash Express is best for consumers facing immediate cash needs who have access to a nearby physical location and prefer in-person service combined with ancillary financial services. The major caveat is that emergency cash loans from companies in this category typically carry high APRs and fees; consumers should contact ACE directly for current rates and terms before borrowing, as this information is not disclosed on their publicly accessible website pages.
Best For
- Consumers needing immediate cash access for unexpected expenses or emergencies
- Borrowers with collateral (vehicle) who can obtain title loans as an alternative to unsecured lending
- Customers seeking bundled financial services like check cashing and bill payment at a single location
- People without traditional bank accounts who need check cashing and money transfer services
Updated 2026-04-29
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Financial Wellness Guides
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Read guide →Financial Terms Explained (10 terms)
New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
Interest & Rates
APR — Annual Percentage Rate
The total yearly cost of borrowing money, including the interest rate plus any fees the lender charges. Think of it as the 'true price tag' on a loan.
Why it matters
Lenders must show APR by law (Truth in Lending Act) because the interest rate alone can hide fees. Comparing APR across lenders is the most reliable way to find the cheapest loan.
Example
You borrow $10,000 at 6% interest for 3 years, but there's a $300 origination fee. The interest rate is 6%, but the APR is 6.9% because it includes that fee. You'd pay $304/month and $946 total in interest.
Compound Interest
Interest calculated on both the original amount borrowed AND the interest that's already been added. It's 'interest on interest' — and it makes debt grow faster than you'd expect.
Why it matters
Credit cards and many loans use compound interest. If you only make minimum payments, compound interest is why a $3,000 balance can take 15 years to pay off.
Example
You owe $1,000 at 20% annual interest compounded monthly. After month 1 you owe $1,016.67. Month 2, interest is charged on $1,016.67 (not $1,000), so you owe $1,033.61. After 1 year without payments: $1,219.
MAPR — Military Annual Percentage Rate
A special APR calculation used for military servicemembers that includes ALL costs — fees, insurance, and add-ons — capped at 36% by federal law.
Why it matters
The Military Lending Act protects active-duty servicemembers and their families from predatory lending. Any lender charging above 36% MAPR to military is breaking federal law.
Example
A payday lender charges a $15 fee per $100 borrowed for 2 weeks. For civilians, that's technically legal in some states. For military: that works out to 391% MAPR — illegal under the MLA.
Usury Rate — Usury Rate (Interest Rate Cap)
The maximum interest rate a lender can legally charge in a particular state. Charging above this rate is called 'usury' and is illegal.
Why it matters
Usury laws are your main legal protection against predatory interest rates. But beware: some states have weak or no usury caps, and federal banks can sometimes override state limits.
Example
New York caps interest at 16% for most consumer loans (25% is criminal usury). If a lender tries to charge you 30% in NY, that loan is unenforceable — you could fight it in court.
How Loans Work
Collateral — Loan Collateral
An asset you pledge to the lender as security for a loan. If you stop paying, the lender can seize and sell that asset to recover their money.
Why it matters
Secured loans (with collateral) have lower interest rates because the lender has less risk. But you could lose your home, car, or savings if you default.
Example
A mortgage uses your house as collateral. A car loan uses your vehicle. A title loan uses your car title. If you miss payments, the lender can foreclose or repossess.
Fees & Costs
Late Fee — Late Payment Fee
A charge added to your account when you miss a payment deadline. Most credit cards charge $29-$41 per late payment, and many loans have similar penalties.
Why it matters
The fee itself hurts, but the real damage is to your credit score. A payment 30+ days late stays on your credit report for 7 years and can drop your score 60-110 points.
Example
Your credit card payment of $150 is due March 1. You pay on March 18. The bank charges a $39 late fee. If it's 30+ days late, it gets reported to credit bureaus and your 760 score drops to 670.
NSF Fee — Non-Sufficient Funds Fee
A fee your bank charges when a payment bounces because there isn't enough money in your account. Also called a 'bounced check fee' or 'returned payment fee.'
Why it matters
NSF fees hit you twice — your bank charges you AND the company you were trying to pay may charge their own returned payment fee. That's $50-70 for one missed payment.
Example
Your auto-pay tries to pull $350 for rent, but you only have $280 in checking. Your bank charges $35 NSF fee. Your landlord charges $25 returned payment fee. Total damage: $60 in fees.
Legal Terms
Usury — Usury (Illegal Interest)
The practice of charging interest rates higher than what the law allows. Usury laws set state-specific caps on how much lenders can charge.
Why it matters
If a lender charges usurious rates, the loan may be void, penalties can be reduced, or you may be entitled to damages. Know your state's limits.
Example
Your state caps consumer loans at 24% APR. An online lender charges you 36%. That loan may be unenforceable, and you might only need to repay the principal — no interest or fees.
Credit Cards
Cash Advance — Credit Card Cash Advance
Using your credit card to get cash from an ATM or bank. It's one of the most expensive ways to borrow — higher interest rate, immediate interest accrual (no grace period), and an upfront fee.
Why it matters
Cash advances are a debt trap: 25-30% APR with no grace period plus a 3-5% fee. Interest starts the second you withdraw, not at the end of the billing cycle.
Example
You take a $500 cash advance. Fee: $25 (5%). Interest: 28% APR starting immediately. After 30 days, you owe $536.67. After 6 months of minimum payments, you've paid $85 in interest on $500.
Want to learn more? Read our Financial Wellness Guides for in-depth explanations and practical advice.
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